财政部金融司答极目新闻：个人消费贷款贴息的核心条件是要有真实消费行为

Core Viewpoint - The Chinese government has introduced two subsidy policies for personal consumption loans and service industry loans, focusing on broad coverage and low thresholds for application, aiming to stimulate consumption and expand domestic demand [1][3]. Group 1: Personal Consumption Loan Subsidy - The core condition for residents to enjoy the personal consumption loan subsidy is to have genuine consumption behavior [4]. - From September this year, individuals can receive subsidies for various consumption activities, including small daily expenses and larger purchases like cars and home renovations, with a maximum subsidy of 500 yuan per single transaction [4]. - For transactions below 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum of 1,000 yuan for multiple transactions at the same lending institution; for transactions above 50,000 yuan, the subsidy is capped at 3,000 yuan when combined with smaller transactions [4]. Group 2: Service Industry Loan Subsidy - The core condition for service industry entities to receive loan subsidies is that the loan funds must be used for legitimate business activities [5]. - Service industry entities in sectors such as catering, health, and tourism can enjoy subsidies for up to one year if they have signed loan contracts and received funds from banks [5]. - The loan funds must be used for normal business operations, such as expanding space and improving service capabilities, and cannot be used for investment or arbitrage activities [5].